Monthly Archives: November 2013

Starting in 2014, small employers may chose to make health-care coverage available to their employees through the Small Business Health Options Program (SHOP). The SHOP Exchange, also known as a SHOP Marketplace, allows the employer to select qualified health plans in the small group market from which employees may get coverage.… Read more >

In my recent posts, I have told the story of how I started to explore my options for renewing my insurance this year. It’s been my habit in writing for this blog to try to convey useful information, derived from my experience as an ordinary small-business owner, in the form of narrative episodes.

Property and casualty insurance rates continued to rise during the third quarter for both commercial and individual policies extending the pricing climb started late last year. Travelers Insurance said their rates increased an average of 7% while Dallas-based MarketScout said the overall average increase for all lines of business was 5%.

Gross Profit (or gross margin) is a very important financial measure in almost every type of company. It is the profit from sales before administrative, sales and marketing expense, interest and other expense.

It is important to focus on Direct Margin as a component of Gross Profit:

NOTICE: B2B CFO Partners, LLC, dba B2B CFO is an Arizona limited liability company that provides advisory and consulting services. B2B CFO® partners are independent contractors and are not officers, employees or agents of, or partners or joint ventures with, the companies they serve, nor are they independent CPAs.